SBNC (Southern Bancshares NC) Scaled Net Operating Assets: 0.37 (As of Dec. 2025)

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SBNC Southern Bancshares NC Inc SBNC
15 GF Score
Price $13,200.01
GF Value $6,572.41
! 6 Warning Signs
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What is Southern Bancshares NC Scaled Net Operating Assets?

Southern Bancshares NC SBNC 15 Scaled Net Operating Assets is 0.37 as of Dec. 2025. GuruFocus rates SBNC with a GF Score™ of 15/100 and a GF Value™ of $6,572.41. The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southern Bancshares NC's operating assets for the quarter that ended in Dec. 2025 was $5,306.9 Mil. Southern Bancshares NC's operating liabilities for the quarter that ended in Dec. 2025 was $3,322.8 Mil. Southern Bancshares NC's Total Assets for the quarter that ended in Dec. 2024 was $5,385.6 Mil. Therefore, Southern Bancshares NC's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.37.

SBNC
15GF Score
Southern Bancshares NC Inc SBNC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Southern Bancshares NC Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southern Bancshares NC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(5306.911-3322.766)/5385.584
=0.37

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5583.346 - 276.435
=5306.911

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3435.616 - 112.85 - 0
=3322.766

Southern Bancshares NC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(5306.911-3322.766)/5385.584
=0.37

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5583.346 - 276.435
=5306.911

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3435.616 - 112.85 - 0
=3322.766

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.37 mean?
Southern Bancshares NC (SBNC) has a Scaled Net Operating Assets of 0.37 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Southern Bancshares NC and its competitors.
Is Southern Bancshares NC's Scaled Net Operating Assets too high?
Southern Bancshares NC's current Scaled Net Operating Assets is 0.37. Overall, Southern Bancshares NC has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Southern Bancshares NC's Scaled Net Operating Assets compare to MPB and CAC?
Southern Bancshares NC's Scaled Net Operating Assets of 0.37 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Southern Bancshares NC and its competitors. Southern Bancshares NC's current Scaled Net Operating Assets is 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Bancshares NC stock overvalued right now?
Southern Bancshares NC (SBNC) has a current Scaled Net Operating Assets of 0.37. The stock's GF Value™ is $6,572.41, compared to a current price of $13,200.01 — trading 100.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.37. Southern Bancshares NC's overall GF Score™ is 15/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Southern Bancshares NC (SBNC), the current Scaled Net Operating Assets is 0.37 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Southern Bancshares NC (SBNC) Overvalued in 2026?

Based on GuruFocus' analysis, Southern Bancshares NC stock appears to be overvalued. The current stock price of $13,200.01 is trading 100.8% above its estimated GF Value™ of $6,572.41.

Key valuation signals for SBNC:

  • Scaled Net Operating Assets: 0.37
  • GF Value™: $6,572.41 vs. price of $13,200.01 (100.8% above fair value)
  • GF Score™: 15/100 with 6 warning signs

No single metric tells the full story. See the SBNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Southern Bancshares NC Business Description

Other Exchanges SBNCM.PFD:USA
Address 116 E. Main Street, PO Box 729, Mount Olive, NC, USA, 28365
Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services. It operates 45 banking offices in eastern North Carolina and 10 banking offices in Virginia.
15GF Score

Get the complete analysis for SBNC

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13,200.01
Price
$6,572.41
GF Value